Call reports 2012
MONTEREY COUNTY BANK — 2012
What MONTEREY COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 236,249,000 | 230,291,000 | 221,072,000 | 215,474,000 |
| Total loans | 145,494,000 | 142,322,000 | 132,494,000 | 139,648,000 |
| Allowance for loan losses | 6,448,000 | 5,309,000 | 5,902,000 | 5,958,000 |
| Securities available for sale | 24,789,000 | 22,111,000 | 21,866,000 | 426,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,736,000 | 191,859,000 | 187,631,000 | 181,162,000 |
| Interest-bearing deposits | 160,828,000 | 153,961,000 | 151,133,000 | 144,297,000 |
| Noninterest-bearing deposits | 36,908,000 | 37,898,000 | 36,497,000 | 36,865,000 |
| Equity capital | 12,592,000 | 12,799,000 | 13,071,000 | 11,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,565,000 | 4,867,000 | 7,175,000 | 9,367,000 |
| Interest expense | 703,000 | 1,357,000 | 1,938,000 | 2,447,000 |
| Net interest income | 1,862,000 | 3,510,000 | 5,237,000 | 6,920,000 |
| Noninterest income | 569,000 | 1,128,000 | 1,334,000 | 789,000 |
| Noninterest expense | 2,768,000 | 5,015,000 | 7,166,000 | 10,126,000 |
| Provision for loan losses | 2,125,000 | 2,125,000 | 2,126,000 | 2,125,000 |
| Pretax income | -1,662,000 | -1,568,000 | -1,781,000 | -2,054,000 |
| Income tax | 0 | 1,000 | -369,000 | -369,000 |
| Net income | -1,662,000 | -1,569,000 | -1,412,000 | -1,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,394,000 | 11,489,000 | 11,645,000 | 11,373,000 |
| Total capital | 13,563,000 | 13,608,000 | 13,682,000 | 13,410,000 |
| Risk-weighted assets | 169,252,000 | 166,327,000 | 159,079,000 | 159,038,000 |
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